john? [inaudible] >> i'm half australian so i always have to -- >> this is water. >> spent on robert. thank you for leading us on this. i have a two-part question. as you know better than me, barney frank and chris dodd would say we dealt with too big to fail and women did and i just worry that the affidavit approach, well, as you were saying as regulators we really, really, really need them. and that's not sufficient to convince either the bankers or the markets comes so i'm curious, the part you didn't emphasize, the backdrop, what's the actual plan for government to actually separate institutions, what's your thoughts are about the? the second component of the question is, your thoughts on emerging problem of too big to jail. >> that's your expression, not mine, for the media. [laughter] spent on the record, he said it. with special attention to age sec, where government prosecutors decided not to prosecute, a company they allege was facilitating drug trafficking and alleged terrorist ac